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For whatever it's worth, I don't think you're an idiot. It just sounds like you think a clearinghouse can do a lot of things that they cannot do.

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I apologize for calling you an idiot - that was a bit much on my part. I still disagree and don't want to continue the conversation, but saying "you don't understand" is different from an accusation that you're incapable of understanding.

Agree to disagree. Cheers.

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